Loan Census Banking News and Information
April 21, 2021  
 
 
  Business Loan Information  
 

Business Loan Calistoga, California

 
Loan Census SBA Loan Info

Small business loans in Calistoga, California are available. You just need to talk to the right bank.

We wrote this article for entrepreneurs in Calistoga, California who are interested in getting a small business loan.

Local Calistoga Lenders

Without further adieu, here's our list of small business banks in Calistoga.

Small Business Bank Recent SBA Loans
Bank Of America  
Bank of the West  

Lenders for Calistoga Businesses

This is a list of banks outside of Calistoga, California that have provided SBA loans to Calistoga businesses. Some of these may be national banks with local branch locations.

Small Business Bank Recent SBA Loans
Bank Of America
Charlotte, NC
1
Citibank
San Francisco, CA
1
First Community Bank
Santa Rosa, CA
1
Heritage Bank Of Commerce
San Jose, CA
2
Nara Bank
Los Angeles, CA
1
Sterling Savings Bank
Santa Rosa, CA
7
The Mechanics Bank
Richmond, CA
3
U.S. Bank National Association
Cincinnati, OH
1
Wells Fargo Bank
San Jose, CA
1

Tips for Getting a Business Loan in Calistoga

As a prerequisite to contacting banks for a loan, you will need to develop the specifics of your loan request.

You need to be able to clearly explain your business, explain how much you want to borrow, describe what the money will finance, and show your ability to pay the loan back to the bank.

A well-defined business plan is an important prerequisite. If the bank loan is to for a going concern, you should also have financial statements covering the last three years. You will also need to discuss what collateral you have available to secure the loan. Collateral is relevant because banks always want to be prepared for a worst-case scenario in which you cannot repay the loan.

If the business has few assets, the bank may ask you to to to guarantee the loan with your personal assets, such as your individual retirement account or pension plan. The banks will check on your personal credit history in any case, so hopefully you have good credit history -- you may want to get a copy of your credit history prior to meeting with the banker.

Many of the banks in our list are SBA lenders. Before meeting with the banker, you may want to do your homework on SBA loans programs to see if you qualify. SBA 7(a) loans, SBA 504 loans and SBA disaster assistance loans may be available to you.

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